Renting · Section 8
Data from November 2026
Renting in Merced County, California
Merced County has a HUD fair market rent of $1,517 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,343 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $29.17 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,517
- a month, HUD, Fiscal year 2027
- 42% less than in California
- Typical rent
- $1,343
- a month, Census, Average 2020–2024
- 34% less than in California
- Wage needed
- $29.17
- an hour, 2 bedrooms
- Or $60,680 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 52%
- spend 30% or more of income on rent
- 6% less than in California
Only here
Renting in Merced County: what sets it apart
What this place has that others do not, from public data, most unusual first.
-
Merced County has the 5th lowest homeownership rate of the 58 counties in California (54%).
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Merced County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in Merced County was $2,059 a month in September 2026: 1.1% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $1,200 | $23.08 | $48,000 |
| 1 bedroom | $1,262 | $24.27 | $50,480 |
| 2 bedrooms | $1,517 | $29.17 | $60,680 |
| 3 bedrooms | $2,087 | $40.13 | $83,480 |
| 4 bedrooms | $2,477 | $47.63 | $99,080 |
HUD area: Merced, CA MSA. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 24 ZIP codes in Merced County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,360 in 95303 to $1,860 in 95348. 7 ZIP codes are above the county's fair market rent ($1,517).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 93620 | Fresno, CA | $1,220 | $1,220 | $1,500 | $2,090 | $2,400 |
|---|---|---|---|---|---|---|
| 93620 | Madera County, CA | $1,220 | $1,220 | $1,500 | $2,090 | $2,400 |
| 93620 | Merced, CA | $1,220 | $1,220 | $1,500 | $2,090 | $2,400 |
| 93635 | Merced, CA | $1,390 | $1,460 | $1,760 | $2,420 | $2,870 |
| 93665 | Merced, CA | $1,160 | $1,220 | $1,470 | $2,020 | $2,390 |
| 95301 | Merced, CA | $1,120 | $1,180 | $1,420 | $1,950 | $2,330 |
| 95303 | Merced, CA | $1,010 | $1,100 | $1,360 | $1,870 | $2,260 |
| 95312 | Merced, CA | $1,010 | $1,100 | $1,360 | $1,870 | $2,260 |
| 95315 | Merced, CA | $1,120 | $1,170 | $1,410 | $1,940 | $2,300 |
| 95317 | Merced, CA | $1,010 | $1,100 | $1,360 | $1,870 | $2,260 |
| 95322 | Merced, CA | $1,180 | $1,240 | $1,590 | $2,200 | $2,550 |
| 95322 | Modesto, CA | $1,180 | $1,240 | $1,590 | $2,200 | $2,550 |
| 95324 | Merced, CA | $1,360 | $1,430 | $1,720 | $2,370 | $2,810 |
| 95324 | Modesto, CA | $1,360 | $1,430 | $1,720 | $2,370 | $2,810 |
| 95333 | Merced, CA | $1,010 | $1,100 | $1,360 | $1,870 | $2,260 |
| 95334 | Merced, CA | $1,320 | $1,390 | $1,670 | $2,300 | $2,730 |
| 95340 | Merced, CA | $1,120 | $1,180 | $1,420 | $1,950 | $2,320 |
| 95341 | Merced, CA | $1,150 | $1,210 | $1,460 | $2,010 | $2,380 |
| 95348 | Merced, CA | $1,470 | $1,550 | $1,860 | $2,560 | $3,040 |
| 95365 | Merced, CA | $1,010 | $1,100 | $1,360 | $1,870 | $2,260 |
| 95369 | Mariposa County, CA | $1,050 | $1,110 | $1,360 | $1,870 | $2,260 |
| 95369 | Merced, CA | $1,050 | $1,110 | $1,360 | $1,870 | $2,260 |
| 95374 | Merced, CA | $1,010 | $1,100 | $1,360 | $1,870 | $2,260 |
| 95388 | Merced, CA | $1,010 | $1,100 | $1,360 | $1,870 | $2,260 |
- 93620 · Fresno, CA $1,500$2,090
- 93620 · Madera County, CA $1,500$2,090
- 93620 · Merced, CA $1,500$2,090
- 93635 · Merced, CA $1,760$2,420
- 93665 · Merced, CA $1,470$2,020
- 95301 · Merced, CA $1,420$1,950
- 95303 · Merced, CA $1,360$1,870
- 95312 · Merced, CA $1,360$1,870
- 95315 · Merced, CA $1,410$1,940
- 95317 · Merced, CA $1,360$1,870
- 95322 · Merced, CA $1,590$2,200
- 95322 · Modesto, CA $1,590$2,200
- 95324 · Merced, CA $1,720$2,370
- 95324 · Modesto, CA $1,720$2,370
- 95333 · Merced, CA $1,360$1,870
- 95334 · Merced, CA $1,670$2,300
- 95340 · Merced, CA $1,420$1,950
- 95341 · Merced, CA $1,460$2,010
- 95348 · Merced, CA $1,860$2,560
- 95365 · Merced, CA $1,360$1,870
- 95369 · Mariposa County, CA $1,360$1,870
- 95369 · Merced, CA $1,360$1,870
- 95374 · Merced, CA $1,360$1,870
- 95388 · Merced, CA $1,360$1,870
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Merced County, 52% of renter households are in that position; in California, 55%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
52%
of renter households spend 30% or more of their income on rent.
39,581 households rent in Merced County
- Spend half or more of their income 27%
- Spend 30% or more, but less than half 25%
- Spend less than 30% 48%
Compared with the state and the country
- Merced 52%
- California 55%
- United States 51%
Low-income apartments
Low-income apartments in Merced County
HUD lists 45 properties with homes for low-income households in Merced County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 36
- HUD-assisted
- 6
- public housing
- 4
3,064 homes in all; 2,723 of them low-income, according to HUD.
- Grove Apts Tax credit (LIHTC) 340 S Parsons Ave, Merced 95341 204 homes, 202 low-income · 2 bd: 48 · 3 bd: 120 · 4 bd: 36 · In service since 2004 · For families
- Gateway Homes Public housing 2860 Park Ave, Merced 95348 176 low-income homes · Run by County of Merced Housing Authority · Average payment: $522 a month · Average wait: 7 months · Homes at several sites · (209) 386-4139
- Laurel Glen Tax credit (LIHTC) 777 Loughborough Dr, Merced 95348 128 homes, 127 low-income · 1 bd: 96 · 2 bd: 32 · In service since 2000
- Scattered Sites Public housing 736 Abby Cir, Los Banos 93635 122 low-income homes · Run by County of Merced Housing Authority · Average payment: $635 a month · Average wait: 2 months · Homes at several sites · (209) 386-4139
- Sunnyside Apts Tax credit (LIHTC) 988 D St, Merced 95341 121 homes, 120 low-income · 2 bd: 1 · 3 bd: 20 · 4 bd: 100 · In service since 2004 · For families
- Scattered Sites Public housing 2023 Alameda Ct, Livingston 95334 117 low-income homes · Run by County of Merced Housing Authority · Average payment: $592 a month · Average wait: 36 months · Homes at several sites · (209) 386-4139
- Sunny View Apts I Tax credit (LIHTC) 1108 D St, Merced 95341 113 homes, 111 low-income · 2 bd: 1 · 3 bd: 84 · 4 bd: 28 · In service since 2007 · For families
- Los Banos Family Apts I Tax credit (LIHTC) 2235 Gilbert Gonzalez Jr Dr, Los Banos 93635 105 homes, 103 low-income · 1 bd: 16 · 2 bd: 40 · 3 bd: 40 · 4 bd: 9 · In service since 2008 · For families
- Sierra Meadows Apts Tax credit (LIHTC) 720 W 15th St, Merced 95340 99 low-income homes · 1 bd: 80 · 2 bd: 20 · In service since 1998 · For older adults
- Tioga Apts Tax credit (LIHTC) 1715 N St, Merced 95340 90 low-income homes
- Alamar Apts II Tax credit (LIHTC) 286 S Canal St, Merced 95341 80 homes, 79 low-income · 2 bd: 40 · 3 bd: 32 · 4 bd: 8 · In service since 1996 · For families
- Carrington Pointe Tax credit (LIHTC) 1985 San Luis St, Los Banos 93635 80 homes, 79 low-income · 2 bd: 22 · 3 bd: 44 · 4 bd: 14 · In service since 1999 · For families
- Los Banos Family Apts II Tax credit (LIHTC) 2125 Gilbert Gonzalez Jr Dr, Los Banos 93635 80 homes, 79 low-income · 1 bd: 12 · 2 bd: 32 · 3 bd: 32 · 4 bd: 4 · In service since 2010 · For families
- Merced Commons I HUD-assisted 290 Q St, Merced 95341 76 low-income homes · For families · (209) 383-3634
- Woodbridge Place Tax credit (LIHTC) 3028 Willowbrook Dr, Merced 95348 75 homes, 74 low-income · 1 bd: 20 · 2 bd: 37 · 3 bd: 18 · In service since 2012 · For families
- Merced Commons II HUD-assisted 290 Q St, Merced 95341 71 low-income homes · For families · (209) 383-2033
- Overland Court Apartments Tax credit (LIHTC) 417 Rockport Dr, Los Banos 93635 70 homes, 69 low-income · 1 bd: 56 · 2 bd: 14 · In service since 2017
- Los Banos Apts Tax credit (LIHTC) 44 W I St, Los Banos 93635 66 low-income homes · 1 bd: 32 · 2 bd: 32 · 3 bd: 4 · In service since 2012
- Gateway Terrace Tax credit (LIHTC) 410 Lesher Dr, Merced 95341 66 homes, 65 low-income · 2 bd: 28 · 3 bd: 28 · 4 bd: 10 · In service since 2013 · For families
- Vintage West Apts Tax credit (LIHTC) 1000 Front St, Livingston 95334 55 low-income homes · In service since 1992 · For families
- Casa del Sol Tax credit (LIHTC) 9370 Bigler Dr, Planada 95365 54 homes, 53 low-income · 2 bd: 20 · 3 bd: 24 · 4 bd: 10 · In service since 2000 · For families
- Macarthur Apts (los Banos) Tax credit (LIHTC) · HUD-assisted 1130 F St, Los Banos 93635 50 low-income homes · 1 bd: 46 · 2 bd: 4 · In service since 2006 · For older adults · (209) 829-0136
- Merced Golden Manor HUD-assisted 338 T St, Merced 95341 50 low-income homes · For older adults · (209) 388-0782
- Heritage Village Apts Tax credit (LIHTC) 1156 San Luis St, Los Banos 93635 50 homes, 49 low-income · 1 bd: 46 · 2 bd: 4 · In service since 2004 · For older adults
- Orchards on Newcastle Tax credit (LIHTC) 1151 Newcastle Dr, Livingston 95334 49 homes, 48 low-income · 2 bd: 16 · 3 bd: 25 · 4 bd: 8 · In service since 2013 · For families
- Merced Gardens HUD-assisted 3299 Meadows Ave, Merced 95348 47 low-income homes · For families · (209) 325-4414
- Dos Palos Apts Tax credit (LIHTC) 21100 State Highway 33, Dos Palos 93620 40 low-income homes · In service since 1987
- Central Valley Apts II Tax credit (LIHTC) 1130 D St, Los Banos 93635 38 low-income homes · In service since 1988 · For families
- Kings View Apartments HUD-assisted 1191 Willow St, Atwater 95301 36 low-income homes · For older adults · (209) 358-7212
- Casitas del Sol Tax credit (LIHTC) 1001 B St, Livingston 95334 36 homes, 35 low-income · 2 bd: 14 · 3 bd: 18 · 4 bd: 4 · In service since 2001 · For families
- Le Grand Apts Tax credit (LIHTC) 13171 Brice St, Le Grand 95333 35 homes, 34 low-income · In service since 1993 · For families
- Almond Garden Elderly Apts Tax credit (LIHTC) 16200 Delhi Ave, Delhi 95315 34 homes, 33 low-income · 1 bd: 33 · 2 bd: 1 · In service since 1994 · For older adults
- Gustine Garden Apartments Tax credit (LIHTC) 394 Wallis Ave, Gustine 95322 34 homes, 33 low-income · 1 bd: 34 · In service since 2015
- Almond Garden Family Apts Tax credit (LIHTC) 16240 Delhi Ave, Delhi 95315 31 homes, 30 low-income · 1 bd: 6 · 2 bd: 9 · 3 bd: 12 · 4 bd: 4 · In service since 1992 · For families
- Sca Homes Tax credit (LIHTC) 505 Cartmell Way, Merced 95341 30 low-income homes · In service since 1988 · For families
- Childs Avenue Apts Tax credit (LIHTC) 1296 W 1st St, Merced 95341 27 low-income homes · In service since 1993 · For families
- Alamar Apts I Tax credit (LIHTC) 218 S Canal St, Merced 95341 24 low-income homes · In service since 1996 · For families
- Willowbrook Apts II Tax credit (LIHTC) 1756 Willowbrook Dr, Merced 95348 96 homes, 22 low-income · In service since 1993 · For families
- Willowbrook Apts I Tax credit (LIHTC) 1756 Willowbrook Dr, Merced 95348 80 homes, 16 low-income · In service since 1991
- Glenhaven Park Tax credit (LIHTC) 24 W Swallow St, Merced 95341 15 low-income homes · In service since 1990 · For families
- Haven Park Partners III Tax credit (LIHTC) 189 S G St, Merced 95341 15 low-income homes · In service since 1990 · For families
- Haven Park Partners IV Tax credit (LIHTC) 199 S G St, Merced 95341 12 low-income homes · In service since 1990 · For families
- Scattered Sites Public housing 1202 W 1st St, Merced 95341 6 low-income homes · Run by County of Merced Housing Authority · Homes at several sites · (209) 386-4139
- Gateway Terrace Tax credit (LIHTC) 402 Lesher Dr, Merced 95341 132 homes
- Livingston Family Apts Tax credit (LIHTC) 1972 Main St, Livingston 95334 49 homes
One property has two programs at the same address and appears once. Search HUD's map
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Merced County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 1 agency serves in Merced County. Here is what the rules say:
The rules, with their source
-
You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
-
Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
-
Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
-
If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
-
When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
-
Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $20,450 | $34,000 | $54,400 |
| 2 people | $23,350 | $38,850 | $62,200 |
| 3 people | $27,320 | $43,700 | $69,950 |
| 4 people | $33,000 | $48,550 | $77,700 |
| 5 people | $38,680 | $52,450 | $83,950 |
| 6 people | $44,360 | $56,350 | $90,150 |
| 7 people | $50,040 | $60,250 | $96,350 |
| 8 people | $55,720 | $64,100 | $102,600 |
Area median income: $75,800. HUD income limits by family size, Fiscal year 2026. Area: Merced, CA MSA. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $1,080 – $1,320
- 1 bedroom $1,136 – $1,388
- 2 bedrooms $1,365 – $1,669
- 3 bedrooms $1,878 – $2,296
- 4 bedrooms $2,229 – $2,725
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
- County of Merced Housing Authority Public housing and Section 8 vouchers · 2,896 vouchers · 421 public housing units (209) 386-4139 County of Merced Housing Authority: rosav@merced-pha.com
Housing agencies in California Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in California
What California law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- How much can they charge for a deposit?
- Up to 1 month of rent
- Cal. Civ. Code §1950.5(c)(1), (c)(4)
- When must they return my deposit?
- 21 days
- Cal. Civ. Code §1950.5
- If I fall behind on rent, what notice must I get?
- 3 court days
- Cal. Code Civ. Proc. §1161(2)
- How much notice ends a month-to-month rental?
- 30 or 60 days, depending on the case
- Cal. Civ. Code §1946.1(b), (c)
- Only a court order can remove youCal. Civ. Code §789.3
- Protection from retaliationCal. Civ. Code §1942.5
- Protection related to immigration statusCal. Civ. Code §1940.3
Help
Where to get help with rent in Merced County
These are the nearest HUD-approved agencies. They counsel for free or at low cost.
-
Community Housing Council of Fresno
2560 W Shaw Ln Ste 101, Fresno · 55 miles away · Spanish
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 7 more
-
Fresno Interdenominational Refugee Ministries
1940 N Fresno St, Fresno · 60 miles away
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 11 more
Rental assistance programs
The ones that serve in Merced County or the whole state, with what each page says about being open.
-
Low Income Home Energy Assistance Program (LIHEAP): energy bill help
Run by California Department of Community Services and Development (CSD)
One-time payment from the federal LIHEAP program in California to help with your heating or cooling bill, or if your service is about to be shut off
Limited funds remain, per the source
See details
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Merced County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in California, the average home bill was $161 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$3,034
What you need before you get the keys.
What adds up
- First month
- $1,517
- Security deposit
- $1,517
- Total
- $3,034
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Merced County?
According to HUD (Fiscal year 2027): Studio: $1,200; 1 bedroom: $1,262; 2 bedrooms: $1,517; 3 bedrooms: $2,087; 4 bedrooms: $2,477. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Merced County?
Paying the 2-bedroom fair market rent ($1,517) without spending more than 30% of income takes $29.17 an hour full time, or $60,680 a year.
Who qualifies for Section 8 in Merced County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $48,550 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Merced County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,365 and $1,669 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Merced County?
For 2 bedrooms they run from $1,360 in 95303 to $1,860 in 95348. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Merced County?
HUD lists 45 properties with homes for low-income households in Merced County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Merced County?
HUD counts rent as a burden when it reaches 30% of income or more. In Merced County, 52% of renter households are in that position; in California, 55%, and nationwide, 51% (Average 2020–2024, Census).